सूक्ष्म एवं लघु उद्यमों के लिए क्रेडिट गारंटी फंड ट्रस्ट
Credit Guarantee Fund Trust for Micro and Small Enterprises
MSME
Eligibility Criteria
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Benefits
Maximum benefit: ₹2.0 Cr
Collateral-free credit guarantee for MSE loans up to Rs 2 crore
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Source: manual
Document Checklist
- Udyam registration certificate
- Bank loan application
- Project report
- Financial statements
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How to Apply
- 1
Apply for a Loan
Approach a CGTMSE member lending institution (MLI) - most scheduled banks qualify
- 2
Bank Sanctions Loan
MLI assesses and sanctions a collateral-free loan up to Rs 2 crore for your MSE
- 3
MLI Pays Guarantee Fee
The lending bank pays an annual guarantee fee to CGTMSE on your behalf (may be passed to borrower)
- 4
Loan Disbursement
Funds disbursed to your account; CGTMSE guarantee cover is activated automatically
- 5
Maintain Repayments
Repay as per agreed schedule; CGTMSE steps in if the MLI files a claim due to default
Common reasons for rejection
Incomplete or mismatched documents, ineligible business category, or turnover outside the required range. Always verify eligibility before investing time in the application.
Apply for this Scheme
Apply on Official PortalThis links to the official government portal. Eligibility does not guarantee approval — final decisions are made by the implementing agency.
Similar Schemes
Note: Some schemes cannot be combined on the same expenditure item — verify co-applicability with the respective ministry before applying for multiple schemes.
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